If you have been convicted of a DUI or similar charge and are having trouble finding affordable insurance, we can help. We have companies that will cover you now and we can transfer you to more competitive rating plans as your situation improves. Think of us as Insurance rehab, only without the free coffee and doughnuts.
The SR-22 Filing is simply a piece of paper. It is not a policy or coverage of itself, but merely a piece of paper with your insurance policy information listed on it. Some companies actually do this
electronically so it may just be an entry on a data file that is sent to the DMV. Basically, the SR-22 filing is an understanding between the insurance company and the DMV, that if your policy is cancelled for any reason (late payment, voluntary cancellation, etc.) the insurance company will notify the DMV so that they can suspend your license and driving
privileges.
What happens if my policy cancels with an SR-22?
We HIGHLY recommend that you set your insurance policy up on automatic payment through the insurance company directly - that way you are much less likely to have an incident. If you find yourself with a cancelled policy, contact us and we can get you one on file immediately. In some cases, the DMV may require you to keep the SR-22 on file longer than the standard 3 years if you have let the coverage lapse. More disturbing, you will also show a suspension on your record which some companies also surcharge for so it is really better to not let that happen if possible.
For convictions that happen after January 1, 2008, your record will be impaired for insurance purposes for 10 years. During the first 3 years, you will pay an extra surcharge in addition to being limited to the number and types of companies that will cover you. In years 4-10, you won't be surcharged (extra premium) but you will still be limited in the type of companies that can offer you a policy. (i.e. State Farm, Farmers, Allstate, etc. will typically NOT be able to offer you a policy)